PZAKY (Powszechny Zaklad Ubezpieczen) Margin of Safety % (DCF FCF Based): 3.71% (As of Jun. 30, 2026)


PZAKY Powszechny Zaklad Ubezpieczen SA PZAKY
88 GF Score
Price $17.93
GF Value $16.65
Valuation Fairly Valued
! 8 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Margin of Safety % (DCF FCF Based)?

Powszechny Zaklad Ubezpieczen PZAKY -4.58% 88 Margin of Safety % (DCF FCF Based) is 3.71% as of Jun. 30, 2026. GuruFocus rates PZAKY with a GF Score™ of 88/100 and a GF Value™ of $16.65 (Fairly Valued). The stock has 8 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-30), Powszechny Zaklad Ubezpieczen's Predictability Rank is 4-Stars. Powszechny Zaklad Ubezpieczen's intrinsic value calculated from the Discounted FCF model is $639.15 and current share price is $17.93. Consequently,

Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 3.71%.

PZAKY vs CB, PGR, TRV: Margin of Safety % (DCF FCF Based) Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Powszechny Zaklad Ubezpieczen Margin of Safety % (DCF FCF Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) falls into.


PZAKY
88GF Score
Powszechny Zaklad Ubezpieczen SA PZAKY
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Margin of Safety % (DCF FCF Based) Calculation

Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(18.62-17.93)/18.62
=3.71 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 3.71% mean?
Powszechny Zaklad Ubezpieczen (PZAKY) has a Margin of Safety % (DCF FCF Based) of 3.71% as of Jun. 30, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Powszechny Zaklad Ubezpieczen.
Is Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) too high?
Powszechny Zaklad Ubezpieczen's current Margin of Safety % (DCF FCF Based) is 3.71%. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Margin of Safety % (DCF FCF Based) of 3.71% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for an Insurance company?
A good Margin of Safety % (DCF FCF Based) depends on the Insurance industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Powszechny Zaklad Ubezpieczen. Powszechny Zaklad Ubezpieczen's current Margin of Safety % (DCF FCF Based) is 3.71%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen (PZAKY) is currently considered Fairly Valued. The stock's GF Value™ is $16.65, compared to a current price of $17.93 — trading 7.7% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 3.71%. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 88/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (PZAKY), the current Margin of Safety % (DCF FCF Based) is 3.71% as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Powszechny Zaklad Ubezpieczen (PZAKY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of $17.93 is trading 7.7% above its estimated GF Value™ of $16.65. GuruFocus considers Powszechny Zaklad Ubezpieczen to be Fairly Valued.

Key valuation signals for PZAKY:

  • Margin of Safety % (DCF FCF Based): 3.71%
  • GF Value™: $16.65 vs. price of $17.93 (7.7% above fair value)
  • GF Score™: 88/100 with 8 warning signs

No single metric tells the full story. See the PZAKY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Powszechny Zaklad Ubezpieczen Business Description

Other Exchanges PZU:Poland7PZ:Germany
Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
88GF Score

Get the complete analysis for PZAKY

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.93
Price
$16.65
GF Value